Insurance Service comparison

I am about to renew my insurance for Punto (2 years old).

I got quotes from 10900 to 14500 from different companies.

I have not used insurance any time as fortunately I never had any major accident. What I would like to get is information where someone had a an accident or a breakdown and had a pleasant/fairly good experience with the insurance company e.g. cashless service or breakdown was covered as well or no visits to office etc